What is Truck Vehicle Insurance?
A Truck Insurance Policy in India covers vehicles that transport goods, in case of an accident or damage due to a natural disaster. It also has Third Party personal and property damages included.
Both 3-wheeler and 4-wheeler trucks are covered under this commercial vehicle insurance policy. These can be pick-up trucks, inter-city transport trucks and trucks used for delivery.
Unbeatable features of Zuno Truck Vehicle Insurance
Own Damage Cover
For any accidental loss or damage to your Truck vehicle
Third Party Coverage
Covers your liabilities in case of a third party's injury, death or damage to property.
Cover for your Drivers, Coolies and Cleaners
For an extra premium, cover those who work for you against injury/death due to an accident involving your vehicle
Extra cover with Add-Ons
Choose from a range of Add-ons as per your need
Why should you buy Zuno Truck Vehicle Insurance?
It is compulsory to buy at least a Third Party vehicle insurance in India as per the Indian Vehicles Act, 1988. If you take a Comprehensive policy, it lets you pay for damage or loss to your vehicle, so that you don’t end up paying a large amount from your own pocket. In addition, it also pays compensation for loss or damage to another person (injury or death) or their property. For an extra premium, Personal Accident cover can be taken for your driver and your other employees using the vehicle. In short, all-round protection!
Plans available under Zuno Truck Vehicle Insurance
Third Party Truck Vehicle Insurance
This policy is compulsory by law. Under this cover, any liability towards a third party loss - personal and property - will be covered. Any loss or damage to your truck is not covered.
Package/Comprehensive Truck Vehicle Insurance
This is the one you should be taking! In addition to third party damages, any damage or loss to your truck will also be covered.
What are the Add-Ons available with Zuno Truck Insurance?
Depreciation Protect
You will be reimbursed for the amount of depreciation deducted on the value of replaced parts.
NCB Protect
As long as you do not make more than one Own Damage claim in a year, your NCB will be restored.
Invoice Value Protect
If you are the first registered owner of a vehicle and have this Add-on, we will look after the cost of total loss, theft or constructive total loss of the vehicle. We will also take care of the Road Tax and RTO registration fee for the insured vehicle.
Consumables Expenses Protect
This covers the cost of replacement or fixing of consumables such as engine oil, washers, AC gas oil, nuts and bolts, radiator coolant and other similar items (excluding fuel) for the insured vehicle if it is damaged due to risks covered in Section 1 of the policy.
What is covered by Zuno Truck Vehicle Insurance?
Damage to the vehicle due to any accident
Theft of your vehicle
Damage due to natural and manmade disasters
Personal Accident cover for a paid driver, for an extra premium
Your liability for the loss/damage to a third person (bodily injury/death) or their property, by your vehicle
5 Add-ons to strengthen your cover
What is not covered by Zuno Truck Vehicle Insurance?
Consequential loss
Depreciation; wear and tear
Mechanical and electrical breakdown; failure or breakage
- Outside the geographical area mentioned
- Against the limitations of use
- By a person other than the driver stated in the Driver’s clause
- By a person without a valid license
- By anyone under the influence of drugs or liquorLoss or damage to accessories by Theft, Burglary or Housebreaking, unless the vehicle is stolen at the same time
War and nuclear risks
*PLEASE READ THE INSURANCE POLICY DOCUMENTS FOR MORE INFORMATION.*
Why buy from Us
Hassle-free claims settlement
We settle claims as quickly as possible, with no stress to you.
Extra cover with Add-Ons
Customise your policy to stay protected against any loss, by choosing the Add-Ons you need.
Less documents
Both while issuing your policy and settling your claim.
How do I claim with Zuno Truck Insurance?
Met with an accident? Call us on
Toll free 1800 12000
Paid landline 022 423 12000
We’ll need a few details , so you will want to keep your documents handy.
Sit back and relax while we settle your claim.
Already moved your vehicle to the workshop?. That's perfectly ok! Simply call us and we'll guide you with your claim.
Making sense of common insurance jargon
IDV (Insured Declared Value)
This is the maximum Sum Insured on your policy. This gets fixed at the start of your policy and is the maximum amount that can be paid for a claim.
NCB (No Claim Bonus)
That’s what they call the discount you get on your renewal premium, if you haven’t claimed in the past year. For the first claim-free year, you can get a 20% discount. It can go up to 50% if you don’t claim for 5 years in a row.
Depreciation
The steady decrease in the value of your vehicle over the years. When you buy a policy, your vehicle’s value is figured out based on its depreciation. Older the vehicle, higher the depreciation.
Different type of Trucks
3-wheeler vehicles are used to carry very light weight goods.
Medium-sized trucks used to carry heavier goods within the city and between cities.
These are heavy goods vehicles used for transportation across the country and usually have a National Permit.
Goods Carrying Vehicle FAQ's
Is there anything specifically that Zuno Truck Vehicle Insurance doesn’t cover?
The policy doesn’t cover the wear and tear of vehicle parts, and damage caused to your vehicle due to war and nuclear risks. Don’t forget to check the inclusions and exclusions in your policy for exact details.
What is the maximum NCB I can avail of ?
The highest NCB you can enjoy is a 50% discount on your Own Damage insurance premium. Of course, this applies only if you have not made a claim in the past 5 policy years.
How do I claim?
Simply call us on
Toll free - 1800 12000
Paid landline - 022 423 12000
Or email us at support@hizuno.com and we’ll guide you through everything.